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        <span>Your Personal Savings Allowance 2023</span>
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            <a href="/news/savings/why-is-your-personal-savings-allowance-important-this-tax-year/">Whilst the news of interest rates rising may excite savers, some will need to consider if this rise will come with a new tax bill from HMRC.</a>
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            <a href="/loans/guides/what-is-debt-consolidation/" target="">Starting the new year with debt? Our guide explains how you pay off what you owe more effectively. </a>
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        <span>Does home insurance cover storm damage?</span>
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            <a href="/guides/money-guides/does-home-insurance-cover-storm-damage/">If your home has been damaged through a storm, will your insurance cover the repairs?</a>
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                <li><a href="/current-accounts/guides/how-does-a-current-account-overdraft-work/">How does a current account overdraft work?</a></li>
                <li><a href="/current-accounts/guides/can-you-open-a-bank-account-without-proof-of-address/" target="">Can you open a bank account without proof of address?</a></li>
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        <span>Best Switching Offers</span>
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Credit repair    </h4>

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                <li><a href="/credit-cards/how-quickly-can-i-pay-off-my-credit-card-repayment-calculator/">How quickly can I pay off my credit card - repayment calculator</a></li>
                <li><a href="/loans/guides/how-to-improve-your-credit-score/">How to improve your credit score</a></li>
                <li><a href="/credit-cards/guides/is-it-worth-paying-for-a-holiday-on-a-credit-card/">Booking a holiday using a credit card</a></li>
                <li><a href="/credit-cards/guides/what-is-an-apr/">What is an APR?</a></li>
                <li><a href="/credit-cards/guides/what-is-the-consumer-credit-act/">Guide to the consumer credit act</a></li>
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        <span>Best purchase credit cards</span>
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                <li><a href="/investments/how-to-invest-in-shares/">How to invest in shares</a></li>
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                <li><a href="/investments/guides/what-is-an-etf/">What is an ETF?</a></li>
                <li><a href="/investments/best-ethical-funds/">The best ethical funds</a></li>
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                <li><a href="/investments/guides/how-to-invest-with-a-real-estate-investment-trust/">What is a REIT?</a></li>
                <li><a href="/investments/financial-planning/">Financial planning explained</a></li>
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                <li><a href="/investments/guides/how-are-my-investments-taxed/">How are my investments taxed?</a></li>
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                <li><a href="/investments/guides/investing-in-renewable-energy-and-environmental-companies/">Investing in renewable energy</a></li>
                <li><a href="/investments/guides/uk-inflation-explained-and-how-to-deal-with-it/">UK inflation explained - and how to deal with it</a></li>
                <li><a href="/investments/guides/cryptocurrencies-explained-and-what-does-the-future-hold/">Bitcoin and cryptocurrencies explained</a></li>
                <li><a href="/guides/money-guides/how-to-protect-yourself-from-scams/">How to protect yourself from scams</a></li>
                <li><a href="/isa/guides/should-i-invest-in-an-isa-or-my-pension/">Should I invest in an ISA or my pension?</a></li>
                <li><a href="/investments/guides/how-does-capital-gains-tax-work/">How does capital gains tax work?</a></li>
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        <span>What is an investment platform</span>
        <p>
            <a href="/investments/guides/what-is-an-investment-platform/">Find out how to invest in shares & investment funds using an investment platform. We explain how they work and how to choose which one might work best for you.</a>
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News - by products    </h4>

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Other money &amp; finance news    </h4>

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                <li><a href="/retirement/guides/what-are-the-different-types-of-lifetime-mortgages/">What are the different types of lifetime mortgages?</a></li>
                <li><a href="/retirement/guides/tax-and-equity-release-explained/">Tax and equity release explained</a></li>
                <li><a href="/retirement/guides/how-to-find-lost-pensions/">How to find lost pensions</a></li>
                <li><a href="/retirement/guides/annuities-vs-drawdown-which-is-right-for-you/">Annuities vs drawdown - which is right for you?</a></li>
                <li><a href="/retirement/guides/">See all retirement guides</a></li>
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        <span>When to start saving into a pension</span>
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            <a href="/retirement/guides/when-to-start-saving-into-a-pension/">You can start saving into a pension at any age. Our guide sets out how to get saving in your 20s, 30s and 40s.</a>
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                <li><a href="/insurance/best-home-insurance/">Best home insurance</a></li>
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                <li><a href="/insurance/best-pet-insurance/">Best pet insurance</a></li>
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Other Star Ratings categories    </h4>

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        <span>Does home insurance cover storm damage?</span>
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            <p class="article-tile-desc-long">Each week the Moneyfacts.co.uk content team round up and discuss the very best ISA rates available in the UK. Compare and apply today.</p>
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            <p class="article-tile-desc-long">Each week the Moneyfacts.co.uk content team round up the very best savings rates available in the UK. Compare and apply today.</p>
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            <p class="article-tile-date">2nd March 2023</p>
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            <p class="article-tile-desc-long">The Moneyfacts Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.

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            <p class="article-tile-desc-short">This week's selection includes a 90 day notice account paying 3.40% AER, and a five year fixed mortgage from Barclays Mortgage.</p>
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During her studies, she held a particular interest in the British socio-economic landscape. She now writes for Moneyfacts where she is continuing to expand her financial knowledge.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1678188600000)\/","ExtendedHeading":null,"FullText":"\u003cp\u003e\u003cstrong\u003eLast updated: 7th March 2023\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cem\u003eClose Brothers Savings increases rate as competition starts heating up.\u003c/em\u003e\u003c/p\u003e\n\u003cp\u003eWith ISA season well and truly upon us, we’ll be bringing you daily updates on the best ISA rates available as providers compete for your custom. While the same names continue to top \u003ca href=\"/isa/\" title=\"ISA\"\u003eour charts\u003c/a\u003e today, it’s worth keeping a close eye on our site as we head into peak ISA season, with changes expected to take place on an almost daily basis.\u003c/p\u003e\n\u003cp\u003eFor example, Close Brothers Savings has improved its position within the \u003ca href=\"/isa/1-year-fixed-rate-isas/\" title=\"1 Year Fixed Rate ISAs\"\u003eone year chart\u003c/a\u003e today – its 1 Year Fixed Rate Cash ISA now pays 3.95% AER on maturity. A minimum deposit of £10,000 is needed to open this account and while earlier access is allowed, this will result in closure of the account, and you’ll also be subject to 90 days’ loss of interest. Meanwhile, any further additions as well as any transfers in from cash and stocks and shares ISAs will need to be made or started within 10 days of account opening.\u003c/p\u003e","Heading":"The best UK ISA rates this week","IconAlt":"news icon","IconPath":"/Images/icon-news.png","Image":{"CropDataSet":{"Src":"/media/m2kjrdun/isa-2.jpg","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"ISA paperwork","Url":"/media/m2kjrdun/isa-2.jpg","IsNoImage":false},"Link":{"Id":18502,"Name":"The best UK ISA rates this week","Url":"/news/savings/the-best-uk-isa-rates-this-week/","Target":null},"LongText":"Each week the Moneyfacts.co.uk content team round up and discuss the very best ISA rates available in the UK. Compare and apply today.","IsVisibleOnDesktop":true,"IsVisibleOnTablet":true,"IsVisibileOnMobile":true,"ShortText":"Close Brothers Savings increases rate as competition starts heating up.","ShouldShowDisplayDate":true,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"press@moneyfacts.co.uk","FirstName":"Rachel","Image":{"CropDataSet":{"Src":"/media/ra0gdepm/rachel-springall-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/ra0gdepm/rachel-springall-grayscale.jpg","IsNoImage":false},"JobTitle":"Finance Expert \u0026 Press Officer","Name":"Rachel Springall","Surname":"Springall","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003e\u003cspan\u003eRachel Springall started her career within the financial services industry way back in 2004, working her way up the administration ranks within various independent financial advisers while also securing a CF1 qualification from the CII (UK financial services, regulation \u0026amp; ethics). Rachel then joined Moneyfacts in October 2008, starting out in the Investment Life \u0026amp; Pensions department, before branching out into the personal finance team. In 2011, Rachel joined our busy press department, and is at present our in-house finance expert and dedicated press officer for Moneyfacts Group and Moneyfacts.co.uk. She is currently responsible for promoting the Moneyfacts brand with not only data-driven press releases, but also her valuable insight and analysis of the UK personal finance market. Not shy in front of the cameras, Rachel has appeared on the national news (including BBC Breakfast and ITV News) and has been the voice of the brand over the airways on various radio stations across the country, including a regular Monday night slot on BBC Radio Norfolk.\u003c/span\u003e\u003c/p\u003e","Team":"Press Team"},"DisplayDate":"\/Date(1678096941000)\/","ExtendedHeading":null,"FullText":"\u003cp\u003e\u003cem\u003eDespite falling, the average two- and five-year fixed rates sit above 5%. \u003c/em\u003e\u003c/p\u003e\n\u003cp\u003eOverall\u003ca href=\"/mortgages/best-buy-to-let/\" title=\"Best Buy To Let\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003e buy-to-let mortgage availability\u003c/span\u003e\u003c/a\u003e has now returned to its highest count since last July, as the market continues to recover from a mass product drop.\u003c/p\u003e\n\u003cp\u003eThe drop came in the aftermath of \u003ca href=\"/news/money/mini-budget-what-tax-changes-has-kwasi-kwarteng-made/\" title=\"Mini Budget: What tax changes has Kwasi Kwarteng made?\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003ethe mini-Budget\u003c/span\u003e\u003c/a\u003e, which saw \u003ca href=\"/news/mortgages/which-lenders-have-removed-their-mortgages-thus-far/\" title=\"Which lenders have removed their mortgages thus far\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003ea mass withdrawal\u003c/span\u003e\u003c/a\u003e of residential and buy-to-let mortgages.\u003c/p\u003e\n\u003cp\u003eIn an article published in November, Moneyfacts reported signs of recovery in the buy-to-let space. Buy-to-let product availability had recovered from 988 mortgages in October to 1,769 on 25 November 2022.\u003c/p\u003e\n\u003cp\u003eAs of March, there are 2,400 options in this sector.\u003c/p\u003e","Heading":"Buy-to-let choice recovers from market turmoil","IconAlt":"news icon","IconPath":"/Images/icon-news.png","Image":{"CropDataSet":{"Src":"/media/lhapfnv2/buy-to-let-canva.png","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/lhapfnv2/buy-to-let-canva.png","IsNoImage":false},"Link":{"Id":20429,"Name":"Buy-to-let choice recovers from market turmoil","Url":"/news/mortgages/buy-to-let-choice-recovers-from-market-turmoil/","Target":null},"LongText":"Overall buy-to-let mortgage availability has now returned to its highest count since last July. ","IsVisibleOnDesktop":true,"IsVisibleOnTablet":true,"IsVisibileOnMobile":true,"ShortText":"Overall buy-to-let mortgage availability has now returned to its highest count since last July. ","ShouldShowDisplayDate":true,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"MBrown@moneyfacts.co.uk","FirstName":"Michael","Image":{"CropDataSet":{"Src":"/media/2cofpkzn/michael-brown-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/2cofpkzn/michael-brown-grayscale.jpg","IsNoImage":false},"JobTitle":"Content Writer","Name":"Michael Brown","Surname":"Brown","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eMichael Brown graduated from the University of Stellenbosch in South Africa with an honours degree in Journalism. Since then, he has had experience as a financial journalist and writer in South Africa where he wrote for several different publications and companies. After moving to the United Kingdom to join the Moneyfacts.co.uk team, he now writes on a number of different topics from mortgages to commodity prices.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1677844800000)\/","ExtendedHeading":null,"FullText":"\u003cp\u003e\u003cstrong\u003eLast updated: 3rd March 2023 at 12:00 pm \u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cem\u003eAl Rayan Bank and SmartSave battle it out for market-leading positions.\u003c/em\u003e\u003c/p\u003e\n\u003cp\u003eIn a series of letters released this week, the Treasury Committee has criticised some of the UK’s high street banks. In particular, it has questioned some of their easy access rates, especially when \u003ca href=\"/news/savings/bank-of-england-raises-interest-rates-to-fresh-14-year-high/\" title=\"Bank of England raises interest rates to fresh 14-year high\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003ethe Bank of England’s base rate sits at 4%.\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003e“While consumers are always advised to shop around for the best deals, it is difficult to avoid the conclusion that our biggest banks are taking advantage of their most loyal customers to increase profits and CEO pay,” said Harriett Baldwin, Chair of the Treasury Committee.\u003c/p\u003e\n\u003cp\u003eSo, if you are looking to switch providers for a better rate, then we have listed some of the best savings accounts on the market below.\u003c/p\u003e","Heading":"The best UK savings rates this week","IconAlt":"news icon","IconPath":"/Images/icon-news.png","Image":{"CropDataSet":{"Src":"/media/02cbxson/savings-pig-phone-400x400px.png","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":{"X1":0.049163818359374993,"Y1":0.18374633789062497,"X2":0.013336181640625109,"Y2":0.1131286621093751}},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"pink piggy bank savings icon","Url":"/media/02cbxson/savings-pig-phone-400x400px.png","IsNoImage":false},"Link":{"Id":18503,"Name":"Best UK savings rates this week","Url":"/news/savings/best-uk-savings-rates-this-week/","Target":null},"LongText":"Each week the Moneyfacts.co.uk content team round up the very best savings rates available in the UK. Compare and apply today.","IsVisibleOnDesktop":true,"IsVisibleOnTablet":true,"IsVisibileOnMobile":true,"ShortText":"Al Rayan Bank and SmartSave battle it out for market-leading positions. ","ShouldShowDisplayDate":true,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"press@moneyfacts.co.uk","FirstName":"Eleanor","Image":{"CropDataSet":{"Src":"/media/ffbh30t2/eleanor-williams-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/ffbh30t2/eleanor-williams-grayscale.jpg","IsNoImage":false},"JobTitle":"Finance Expert \u0026 Press Officer","Name":"Eleanor Williams","Surname":"Williams","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eEleanor Williams graduated from the University of East Anglia with a joint honours degree in English and Philosophy in 2005, but took an about-turn to dive into a career in the financial services industry. After gaining valuable experience working in diverse sectors from loan broking, IVA and debt advice – culminating in becoming a CeMap qualified mortgage adviser – Eleanor joined Moneyfacts in 2015. Starting out in the data and analytics department, Eleanor was multi-skilled to work on both mortgage and personal finance data and was key to maintaining business finance datasets. In 2020, Eleanor joined our press department to further expand her insight and analytical skills to help promote the Moneyfacts brand. As a huge believer in sharing information and open communication, Eleanor is keen to expand her financial expertise within a fast-paced environment.\u003c/p\u003e","Team":"Press Team"},"DisplayDate":"\/Date(1677749400000)\/","ExtendedHeading":null,"FullText":"\u003cp\u003e\u003cstrong\u003eLast updated: 23th February 2023\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eThe Moneyfacts \u003ca href=\"https://moneyfacts.co.uk\"\u003e\u003c/a\u003ePick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market, ranging from \u003ca href=\"/mortgages/\" title=\"Mortgages\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003emortgages\u003c/span\u003e\u003c/a\u003e to \u003cspan style=\"text-decoration: underline;\"\u003e\u003ca href=\"/savings-accounts/\" title=\"Savings Accounts\"\u003esavings accounts\u003c/a\u003e\u003c/span\u003e. This week I\u0027ve analysed the following deals, along with their perks.\u003cbr /\u003e\u003cbr /\u003e\u003c/p\u003e","Heading":"Moneyfacts pick of the week","IconAlt":"news icon","IconPath":"/Images/icon-news.png","Image":{"CropDataSet":{"Src":"/media/xbijsbda/protection-piggybank-person-400x400px.png","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":{"X1":0,"Y1":0,"X2":0,"Y2":0.44444444444444442}},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":{"X1":0.012740740740740742,"Y1":0,"X2":0.031703703703703623,"Y2":0.33526570048309173}},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":{"X1":0,"Y1":0,"X2":0,"Y2":0.25}},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":{"X1":0.1275,"Y1":0.0000000000000001821904450667,"X2":0.12891025641025633,"Y2":0}},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":{"X1":0,"Y1":0,"X2":0,"Y2":0.61538461538461542}},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":{"X1":0.036098765432098771,"Y1":0.23152314814814817,"X2":0.0083456790123455932,"Y2":0.43829952958082524}},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":{"X1":0,"Y1":0,"X2":0,"Y2":0.4}},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":{"X1":0,"Y1":0,"X2":0,"Y2":0.475}},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"Woman holding a piggybank and laughing ","Url":"/media/xbijsbda/protection-piggybank-person-400x400px.png","IsNoImage":false},"Link":{"Id":18739,"Name":"Moneyfacts pick of the week","Url":"/news/savings/moneyfacts-pick-of-the-week/","Target":null},"LongText":"The Moneyfacts Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.\n\nBrief product details, together with independent Moneyfacts analysis, can be used with confidence in your finance sections. You can select one or two products to sit beside a relevant story or use them all as a general feature provided they are sourced to our expert at Moneyfacts.","IsVisibleOnDesktop":true,"IsVisibleOnTablet":true,"IsVisibileOnMobile":true,"ShortText":"This week\u0027s selection includes a 90 day notice account paying 3.40% AER, and a five year fixed mortgage from Barclays Mortgage.","ShouldShowDisplayDate":true,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false}],"TileSize":"Midi"},"ArticleType":"newsArticle","Author":null,"DefaultSearchText":"","DesktopArticleCount":4,"IncludeLargeTile":false,"HasArticles":true,"HasReadAllLink":true,"HasSearch":false,"HasSearchLabel":false,"HasSubheading":false,"HasTitle":true,"IsPaginated":false,"LargeTile":null,"LargeTileSubArticles":null,"NumberOfArticlesPerLargeTile":0,"MobileArticleCount":4,"ReadAllLink":{"Id":3660,"Name":"More Moneyfacts news","Url":"/news/","Target":null},"SearchLabel":"","SelectBy":"Most Recent","Subheading":"","TabletArticleCount":4,"Tags":null,"Title":"Most recent news","TotalArticleCount":500,"MaximumNumberOfTiles":20,"QtyDesktopTiles":3,"QtyTabletTiles":3,"QtyMobileTiles":3}'></script>
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            <p class="article-tile-desc-long">Whether you are buying or selling a property, you will need a conveyancer to oversee all the legal requirements and ensure your transaction completes. Conveyancing is the legal process of transferring property ownership from one person to another, and a property sale can’t complete without it.</p>
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Moneyfacts does not endorse this content.\u003c/em\u003e\u003c/p\u003e","Team":""},"DisplayDate":"\/Date(1643123437000)\/","ExtendedHeading":"","FullText":"\u003cp\u003e\u003cstrong\u003eArticle written by \u003ca rel=\"noopener\" href=\"https://links.moneyfacts.co.uk/v2/applyclick?clickID=10D1ED08-11E4-49B9-8EB6-B27E0441C46F\" target=\"_blank\" data-anchor=\"?clickID=10D1ED08-11E4-49B9-8EB6-B27E0441C46F\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003eeConveyancer\u003c/span\u003e\u003c/a\u003e, our preferred independent advice firm.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis article is not intended to be financial advice to any individual. The views expressed are those of the author and Moneyfacts.co.uk does not endorse the content. \u003c/strong\u003e\u003c/p\u003e","Heading":"What is conveyancing?","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/1272/forsale.jpg","FocalPoint":{"Left":0.26608583929175555,"Top":0.38736842105263158},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":{"X1":0,"Y1":0,"X2":0.24757281553398061,"Y2":0}},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":{"X1":0,"Y1":0.059068100358422942,"X2":0,"Y2":0.016387720118435322}},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"for sale sign","Url":"/media/1272/forsale.jpg","IsNoImage":false},"Link":{"Id":18415,"Name":"What is conveyancing","Url":"/mortgages/guides/what-is-conveyancing/","Target":null},"LongText":"Whether you are buying or selling a property, you will need a conveyancer to oversee all the legal requirements and ensure your transaction completes. Conveyancing is the legal process of transferring property ownership from one person to another, and a property sale can’t complete without it.","IsVisibleOnDesktop":true,"IsVisibleOnTablet":true,"IsVisibileOnMobile":true,"ShortText":"Whether you\u0027re buying or selling a property, you\u0027ll need a conveyancer to oversee all the legal requirements and ensure your transaction completes.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"MBrown@moneyfacts.co.uk","FirstName":"Michael","Image":{"CropDataSet":{"Src":"/media/2cofpkzn/michael-brown-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/2cofpkzn/michael-brown-grayscale.jpg","IsNoImage":false},"JobTitle":"Content Writer","Name":"Michael Brown","Surname":"Brown","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eMichael Brown graduated from the University of Stellenbosch in South Africa with an honours degree in Journalism. Since then, he has had experience as a financial journalist and writer in South Africa where he wrote for several different publications and companies. After moving to the United Kingdom to join the Moneyfacts.co.uk team, he now writes on a number of different topics from mortgages to commodity prices.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1670337120000)\/","ExtendedHeading":"","FullText":"\u003cp\u003ePutting money aside into \u003ca href=\"/isa/\" title=\"ISA\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003ean ISA\u003c/span\u003e\u003c/a\u003e can be a tax-efficient way of saving or investing. But what happens if you want to move your funds across to potentially earn greater returns? Will this affect your \u003ca href=\"/isa/guides/2022-23-isa-allowance-guide/\" title=\"2022-23 ISA Allowance Guide\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003e£20,000 yearly allowance?\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eIn this guide we’ll explain how you can use an ISA transfer to boost your savings and investments while retaining your tax-free allowance.\u003c/p\u003e","Heading":"How do ISA transfers work? ","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/htxnlupl/phone-hands-trasnsfer-400x400px.png","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"Woman holding mobile phone","Url":"/media/htxnlupl/phone-hands-trasnsfer-400x400px.png","IsNoImage":false},"Link":{"Id":12596,"Name":"How do ISA transfers work?","Url":"/isa/guides/how-do-isa-transfers-work/","Target":null},"LongText":"Using an ISA transfer is important as its the only way to retain the tax-free status of your funds. Our helpful guide explains what you should know before you transfer.","IsVisibleOnDesktop":true,"IsVisibleOnTablet":true,"IsVisibileOnMobile":true,"ShortText":"Using an ISA transfer is the only way to retain the tax-free status of your funds. Our helpful guide explains what you should know before you transfer.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"mbradfield@moneyfacts.co.uk","FirstName":"Matt","Image":{"CropDataSet":{"Src":"/media/fi4j5l2d/matt-bradfield-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/fi4j5l2d/matt-bradfield-grayscale.jpg","IsNoImage":false},"JobTitle":"Website Editor","Name":"Matt Bradfield","Surname":"Bradfield","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eMatt Bradfield graduated from the University of Salford in 1997 with a degree in English Language and Literature. With over 20 years of experience in digital media, Matt has produced and managed content for a number of consumer-facing sites including MSN, Virgin Media, Yahoo and AOL.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1669161600000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eIf your spouse or civil partner dies, in most cases you’ll be able to inherit their ISA savings through an Additional Permitted Subscription (APS), also known as an inherited ISA allowance. Any ISA funds transferred as an APS keep their tax-free status and count as a one-off ISA allowance that\u0027s granted to the surviving spouse or civil partner for that tax year only.\u003c/p\u003e\n\u003cp\u003eFor example, if your partner had £50,000 in ISA savings, your ISA allowance for the year would be £70,000 (the value of your partner\u0027s savings and your own ISA allowance for the 2022/2023 tax year, which currently stands at £20,000).\u003c/p\u003e\n\u003cp\u003eWhat’s more, if the deceased leaves the money in the ISA to someone else, the surviving partner is still entitled to an increased allowance for that tax year that’s equivalent to the value of the ISA assets.\u003c/p\u003e\n\u003cp\u003eThe rules mean that the tax-efficiency of the deceased’s ISA won’t be lost, and that the bereaved will be able to enjoy the tax advantages they previously shared with their partner.\u003c/p\u003e","Heading":"The rules on inheriting ISAs","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/advici3g/legal-hammer-inheritance-400x400px.png","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"two people completing legal paperwork","Url":"/media/advici3g/legal-hammer-inheritance-400x400px.png","IsNoImage":false},"Link":{"Id":11635,"Name":"The rules on inheriting ISAs","Url":"/isa/guides/the-rules-on-inheriting-isas/","Target":null},"LongText":"Did you know that you can inherit your spouse\u0027s/civil partner\u0027s ISA savings? This guide explains the rules on inheriting ISAs and the important things you need to know.","IsVisibleOnDesktop":true,"IsVisibleOnTablet":true,"IsVisibileOnMobile":true,"ShortText":"What you need to know about claiming and investing an inherited ISA, and retaining its tax-free status.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"MBrown@moneyfacts.co.uk","FirstName":"Michael","Image":{"CropDataSet":{"Src":"/media/2cofpkzn/michael-brown-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/2cofpkzn/michael-brown-grayscale.jpg","IsNoImage":false},"JobTitle":"Content Writer","Name":"Michael Brown","Surname":"Brown","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eMichael Brown graduated from the University of Stellenbosch in South Africa with an honours degree in Journalism. Since then, he has had experience as a financial journalist and writer in South Africa where he wrote for several different publications and companies. After moving to the United Kingdom to join the Moneyfacts.co.uk team, he now writes on a number of different topics from mortgages to commodity prices.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1676851200000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eImplemented in 2016, the Personal Savings Allowance (PSA) allows you to earn interest on your savings tax-free up to a certain limit. Basic-rate taxpayers, those who pay income tax at 20%, can earn up to £1,000 tax-free interest per year while higher-rate taxpayers, those who pay income tax at 40%, have a PSA threshold of £500.\u003c/p\u003e\n\u003cp\u003eAdditional rate taxpayers are the exception to the rule and don’t get a PSA. These income taxpayers are those who currently earn over £150,000 a year, with this figure reducing to include anyone earning above £125,140 in April 2023.\u003c/p\u003e","Heading":"What is the Personal Savings Allowance?","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/mdtdplbw/coins-jar-savings-plant-400x400px.png","FocalPoint":{"Left":0.18879119693618859,"Top":0.67425427477210209},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":{"X1":0,"Y1":0.615,"X2":0,"Y2":0.085}},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":{"X1":0,"Y1":0.5271634615384615,"X2":0,"Y2":0.088221153846153852}},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":{"X1":0,"Y1":0.56725694444444441,"X2":0,"Y2":0.087208648527737048}},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":{"X1":0,"Y1":0.3650173611111111,"X2":0,"Y2":0.079427083333333329}},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":{"X1":0,"Y1":0.53870192307692311,"X2":0,"Y2":0.076682692307692313}},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":{"X1":0,"Y1":0.45602912303664922,"X2":0,"Y2":0.075384489528795812}},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":{"X1":0,"Y1":0.3025,"X2":0,"Y2":0.0975}},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":{"X1":0.00072674418604647031,"Y1":0.76830486918604657,"X2":0,"Y2":0.086346293604651125}}]},"Type":"","Alt":"coins in a jar with a plant sprouting out of it","Url":"/media/mdtdplbw/coins-jar-savings-plant-400x400px.png","IsNoImage":false},"Link":{"Id":11576,"Name":"What is the Personal Savings Allowance","Url":"/savings-accounts/guides/what-is-the-personal-savings-allowance/","Target":null},"LongText":"","IsVisibleOnDesktop":true,"IsVisibleOnTablet":true,"IsVisibileOnMobile":true,"ShortText":"Find out how much you can earn in savings interest before paying tax with our guide to the Personal Savings Allowance.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"MBrown@moneyfacts.co.uk","FirstName":"Michael","Image":{"CropDataSet":{"Src":"/media/2cofpkzn/michael-brown-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/2cofpkzn/michael-brown-grayscale.jpg","IsNoImage":false},"JobTitle":"Content Writer","Name":"Michael Brown","Surname":"Brown","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eMichael Brown graduated from the University of Stellenbosch in South Africa with an honours degree in Journalism. Since then, he has had experience as a financial journalist and writer in South Africa where he wrote for several different publications and companies. After moving to the United Kingdom to join the Moneyfacts.co.uk team, he now writes on a number of different topics from mortgages to commodity prices.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1668697200000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eThere are many reasons you may want to give a cash gift to your loved ones. It could be to help pay for a wedding, a new car or university fees, or to help give the younger generation a leg-up onto \u003cspan style=\"text-decoration: underline;\"\u003e\u003ca href=\"/mortgages/\" title=\"Mortgages\"\u003ethe property ladder\u003c/a\u003e\u003c/span\u003e. Others want to gift cash to reduce the value of their estate for \u003ca href=\"/investments/guides/inheritance-tax/\" title=\"Inheritance tax\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003einheritance tax\u003c/span\u003e\u003c/a\u003e (IHT) purposes, with tax on cash gifts often being far less than the 40% IHT charge that many are facing.\u003c/p\u003e\n\u003cp\u003eBut, before you empty your \u003cspan style=\"text-decoration: underline;\"\u003e\u003ca href=\"/savings-accounts/\" title=\"Savings Accounts\"\u003esavings account\u003c/a\u003e\u003c/span\u003e and hand over the cheque, there are a few things you need to be aware of, as it isn’t always that simple to give cash gifts to children. Read on to get an understanding of the rules, and to find out how much of a cash gift is tax-free.\u003c/p\u003e","Heading":"How much can I give as a cash gift and how is tax affected?","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/osub45cn/cash-gift-400x400px.png","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"Hands holding a present box wrapped in blue ribbon","Url":"/media/osub45cn/cash-gift-400x400px.png","IsNoImage":false},"Link":{"Id":16429,"Name":"How much can I give as a cash gift and how is tax affected","Url":"/savings-accounts/guides/how-much-can-i-give-as-a-cash-gift-and-how-is-tax-affected/","Target":null},"LongText":"There many reasons you may want to give a cash gift to your loved ones. We explain the implications from a tax perspective.","IsVisibleOnDesktop":false,"IsVisibleOnTablet":false,"IsVisibileOnMobile":false,"ShortText":"There many reasons you may want to give a cash gift to your loved ones. We explain the implications from a tax perspective.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"editorial@moneyfacts.co.uk","FirstName":"Leanne","Image":{"CropDataSet":{"Src":"/media/1902/leanne-macardle.jpg","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null}]},"Type":"","Alt":"Leanne Macardle","Url":"/media/1902/leanne-macardle.jpg","IsNoImage":false},"JobTitle":"Editor","Name":"Leanne Macardle","Surname":"Macardle","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eLeanne Macardle graduated from the University of East Anglia in 2006 with a degree in Psychosocial Sciences, but quickly changed direction and jumped into the world of finance instead. A stint at Aviva and a few years of freelancing followed, before joining the editorial department at Moneyfacts Group as sub-editor in 2013. From there she took on several writing roles which saw her work across the breadth of Moneyfacts’ editorial output, from Treasury Reports and magazine features to guides and news stories on Moneyfacts.co.uk, culminating in her becoming Editor of the comparison site. Now writing for Moneyfacts in a \u003ca rel=\"noopener\" href=\"http://www.leannemacardle.com/\" target=\"_blank\"\u003efreelance capacity\u003c/a\u003e, she continues to put her personal finance knowledge to good use by making the often complex world of finance accessible and informative to readers.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1544140800000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eOn completing a new mortgage, most consumers will be fully aware of any initial set-up fees they are required to pay, usually choosing their mortgage based on the interest rate and fees. But what consumers may not realise is that many providers also charge exit fees. This means that if you’re not careful, you may in effect end up paying twice.\u003c/p\u003e","Heading":"What are mortgage exit / redemption fees?","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/sfzhujlp/mortgage-money-paperwork-400x400px.png","FocalPoint":{"Left":0.45849290684502941,"Top":0.51243324882679764},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"a person writing on paper with stacks of coins beside her hand","Url":"/media/sfzhujlp/mortgage-money-paperwork-400x400px.png","IsNoImage":false},"Link":{"Id":3618,"Name":"What are mortgage exit redemption fees","Url":"/mortgages/guides/what-are-mortgage-exit-redemption-fees/","Target":null},"LongText":"This guides outlines what mortgage exit and redemption fees are, and what you need to be aware of to avoid being left out of pocket.","IsVisibleOnDesktop":false,"IsVisibleOnTablet":false,"IsVisibileOnMobile":false,"ShortText":"This guides outlines what mortgage exit and redemption fees are, and what you need to be aware of to avoid being left out of pocket.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"editorial@moneyfacts.co.uk","FirstName":"Leanne","Image":{"CropDataSet":{"Src":"/media/1902/leanne-macardle.jpg","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null}]},"Type":"","Alt":"Leanne Macardle","Url":"/media/1902/leanne-macardle.jpg","IsNoImage":false},"JobTitle":"Editor","Name":"Leanne Macardle","Surname":"Macardle","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eLeanne Macardle graduated from the University of East Anglia in 2006 with a degree in Psychosocial Sciences, but quickly changed direction and jumped into the world of finance instead. A stint at Aviva and a few years of freelancing followed, before joining the editorial department at Moneyfacts Group as sub-editor in 2013. From there she took on several writing roles which saw her work across the breadth of Moneyfacts’ editorial output, from Treasury Reports and magazine features to guides and news stories on Moneyfacts.co.uk, culminating in her becoming Editor of the comparison site. Now writing for Moneyfacts in a \u003ca rel=\"noopener\" href=\"http://www.leannemacardle.com/\" target=\"_blank\"\u003efreelance capacity\u003c/a\u003e, she continues to put her personal finance knowledge to good use by making the often complex world of finance accessible and informative to readers.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1615487763000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eUnder current rules, heirs could be subject to a tax bill of up to 40% on an estate, which includes any \u003ca href=\"/savings-accounts/\" title=\"Savings Accounts\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003esavings\u003c/span\u003e\u003c/a\u003e, property and any additional assets, after deducting any debts and \u003ca href=\"#\" title=\"What are the best funeral plans?\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003efuneral costs\u003c/span\u003e\u003c/a\u003e. However, inheritance tax (IHT) can be legally reduced or avoided in a number of ways (such as via \u003ca href=\"/savings-accounts/guides/how-much-can-i-give-as-a-cash-gift-and-how-is-tax-affected/\" title=\"How much can I give as a cash gift and how is tax affected?\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003egifting\u003c/span\u003e\u003c/a\u003e), and will only be paid on estates worth above a certain amount.\u003c/p\u003e\n\u003cp\u003eThe tax-free IHT allowance for 2022/23 – known as the nil rate band – stands at £325,000. This means only the value of an estate above this level will be taxed at 40%, and if it’s worth less than this, there’ll be no tax for beneficiaries to pay. If the beneficiary inheriting the home is a child or grandchild, and the total estate is worth less than £2 million, an additional £175,000 allowance applies, increasing the threshold to £500,000.\u003c/p\u003e\n\u003cp\u003eMarried couples and civil partners can pass on their allowance to their spouse, too. This means that, provided the first spouse to die didn’t gift a large amount away beforehand, couples can pass on up to £650,000 to beneficiaries tax-free. This rises to £1m if the estate includes property, as per the property transfer allowance.\u003c/p\u003e\n\u003cp\u003eIt’s worth pointing out that heirs rarely pay for IHT directly; it’s usually discounted from the value of the estate and is taken care of by the executors (unless the estate can’t or won’t cover the full amount, in which case the beneficiaries are liable).\u003c/p\u003e","Heading":"A comprehensive guide to inheritance tax ","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/qs4boskb/investment-inheritance-tax-400x400px.png","FocalPoint":{"Left":0.41410317084713677,"Top":0.21972821310256235},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"a son with his arms around his father, both smiling","Url":"/media/qs4boskb/investment-inheritance-tax-400x400px.png","IsNoImage":false},"Link":{"Id":17080,"Name":"Inheritance tax","Url":"/investments/guides/inheritance-tax/","Target":null},"LongText":"Knowing what to do with an inheritance is vital if you want to make the most if it - find out more in our guide to managing money form an inheritance.","IsVisibleOnDesktop":false,"IsVisibleOnTablet":false,"IsVisibileOnMobile":false,"ShortText":"Knowing what to do with an inheritance is vital if you want to make the most if it - find out more in our guide to managing money form an inheritance.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"MBrown@moneyfacts.co.uk","FirstName":"Michael","Image":{"CropDataSet":{"Src":"/media/2cofpkzn/michael-brown-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/2cofpkzn/michael-brown-grayscale.jpg","IsNoImage":false},"JobTitle":"Content Writer","Name":"Michael Brown","Surname":"Brown","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eMichael Brown graduated from the University of Stellenbosch in South Africa with an honours degree in Journalism. Since then, he has had experience as a financial journalist and writer in South Africa where he wrote for several different publications and companies. After moving to the United Kingdom to join the Moneyfacts.co.uk team, he now writes on a number of different topics from mortgages to commodity prices.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1675778520000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eLooking for a Government-backed investment which is also used to fund environmentally friendly causes? Then consider the Green Savings Bond from National Savings \u0026amp; Investments (NS\u0026amp;I).\u003c/p\u003e\n\u003cp\u003eBelow we’ve explained what the NS\u0026amp;I’s Green Savings Bond is, and whether there are better interest-bearing rates on the market.\u003c/p\u003e","Heading":"What is the NS\u0026I’s Green Savings Bond?","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/1166/green-leafed-tree-2558460.jpg","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"green leaves on a tree","Url":"/media/1166/green-leafed-tree-2558460.jpg","IsNoImage":false},"Link":{"Id":19733,"Name":"What is the NS\u0026Is Green Savings Bond","Url":"/savings-accounts/guides/what-is-the-nsis-green-savings-bond/","Target":null},"LongText":"In this article we’ve explained what the NS\u0026I’s Green Savings Bond is, and whether there are better interest-bearing rates on the market. ","IsVisibleOnDesktop":false,"IsVisibleOnTablet":false,"IsVisibileOnMobile":false,"ShortText":"After increasing the rate on its Green Savings Bond to 4.20% this month, we\u0027ve looked at how this account works. ","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"editorial@moneyfacts.co.uk","FirstName":"Leanne","Image":{"CropDataSet":{"Src":"/media/1902/leanne-macardle.jpg","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null}]},"Type":"","Alt":"Leanne Macardle","Url":"/media/1902/leanne-macardle.jpg","IsNoImage":false},"JobTitle":"Editor","Name":"Leanne Macardle","Surname":"Macardle","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eLeanne Macardle graduated from the University of East Anglia in 2006 with a degree in Psychosocial Sciences, but quickly changed direction and jumped into the world of finance instead. A stint at Aviva and a few years of freelancing followed, before joining the editorial department at Moneyfacts Group as sub-editor in 2013. From there she took on several writing roles which saw her work across the breadth of Moneyfacts’ editorial output, from Treasury Reports and magazine features to guides and news stories on Moneyfacts.co.uk, culminating in her becoming Editor of the comparison site. Now writing for Moneyfacts in a \u003ca rel=\"noopener\" href=\"http://www.leannemacardle.com/\" target=\"_blank\"\u003efreelance capacity\u003c/a\u003e, she continues to put her personal finance knowledge to good use by making the often complex world of finance accessible and informative to readers.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1661855390000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eA trust is where money or other assets are held on behalf of somebody else (known as a beneficiary). The beneficiary could be a child, an adult who lacks capacity to manage their own affairs or an organisation, and the funds held in trust could be to pay for a child’s education, to fund a house deposit or to make grants available to a local community.\u003c/p\u003e\n\u003cp\u003e \u003c/p\u003e\n\u003cp\u003eTrusts usually involve three main elements:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eThe settlor, or the original owner of the assets and the person who puts them into a trust and decides how they should be used. This will be set out in the trust deed.\u003c/li\u003e\n\u003cli\u003eThe trustee who manages the trust (there may be more than one) and is permitted to manage the trust on behalf of the beneficiary.\u003c/li\u003e\n\u003cli\u003eThe beneficiary, the person (or people or organisation) who stand to benefit from the trust. This can sometimes include the settlor too, in which case it’s known as a settlor-interested trust.\u003c/li\u003e\n\u003c/ul\u003e","Heading":"What kind of account is a trust account?","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/dvanju0p/family-home-mortgage-400x400px.png","FocalPoint":{"Left":0.44790751132445406,"Top":0.38029883036981948},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"family of three smiling at the laptop","Url":"/media/dvanju0p/family-home-mortgage-400x400px.png","IsNoImage":false},"Link":{"Id":19495,"Name":"What kind of account is a trust account","Url":"/savings-accounts/guides/what-kind-of-account-is-a-trust-account/","Target":null},"LongText":"A trust is where money or other assets are held on behalf of somebody else (known as a beneficiary). The beneficiary could be a child, an adult who lacks capacity to manage their own affairs or an organisation. Read our guide to find out more about trust accounts.","IsVisibleOnDesktop":false,"IsVisibleOnTablet":false,"IsVisibileOnMobile":false,"ShortText":"A trust is where money or other assets are held on behalf of somebody else. Our guide explains more.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"editorial@moneyfacts.co.uk","FirstName":"Leanne","Image":{"CropDataSet":{"Src":"/media/1902/leanne-macardle.jpg","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null}]},"Type":"","Alt":"Leanne Macardle","Url":"/media/1902/leanne-macardle.jpg","IsNoImage":false},"JobTitle":"Editor","Name":"Leanne Macardle","Surname":"Macardle","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eLeanne Macardle graduated from the University of East Anglia in 2006 with a degree in Psychosocial Sciences, but quickly changed direction and jumped into the world of finance instead. A stint at Aviva and a few years of freelancing followed, before joining the editorial department at Moneyfacts Group as sub-editor in 2013. From there she took on several writing roles which saw her work across the breadth of Moneyfacts’ editorial output, from Treasury Reports and magazine features to guides and news stories on Moneyfacts.co.uk, culminating in her becoming Editor of the comparison site. Now writing for Moneyfacts in a \u003ca rel=\"noopener\" href=\"http://www.leannemacardle.com/\" target=\"_blank\"\u003efreelance capacity\u003c/a\u003e, she continues to put her personal finance knowledge to good use by making the often complex world of finance accessible and informative to readers.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1663318800000)\/","ExtendedHeading":"","FullText":"\u003cp\u003e\u003cbr /\u003eUnder current legislation, certain new agreements for financial services and products have a mandatory cooling off period. Other goods and services may also have voluntary cooling off periods where the providers have independently decided to offer this feature. Find out more by reading our \u003ca href=\"/credit-cards/guides/what-is-the-consumer-credit-act/\" title=\"What is the Consumer Credit Act\"\u003eguide to the Consumer Credit Act\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003eThis guide will give you a basic understanding of what cooling off periods are and what sort of financial products and services are covered by this legislation.\u003c/p\u003e","Heading":"Cooling off periods explained","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/thscky0j/loans-man-coffee-cooling-400x400px.png","FocalPoint":{"Left":0.51742287722804081,"Top":0.38360661587596129},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"cafe owner smiling at the counter of his shop","Url":"/media/thscky0j/loans-man-coffee-cooling-400x400px.png","IsNoImage":false},"Link":{"Id":15686,"Name":"Cooling off periods explained","Url":"/loans/guides/cooling-off-periods-explained/","Target":null},"LongText":"This guide will give you a basic understanding of what cooling off periods are and what sort of financial products and services are covered by this legislation.","IsVisibleOnDesktop":false,"IsVisibleOnTablet":false,"IsVisibileOnMobile":false,"ShortText":"This guide will give you a basic understanding of what cooling off periods are and what sort of financial products and services are covered by this legislation.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"editorial@moneyfacts.co.uk","FirstName":"Leanne","Image":{"CropDataSet":{"Src":"/media/1902/leanne-macardle.jpg","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null}]},"Type":"","Alt":"Leanne Macardle","Url":"/media/1902/leanne-macardle.jpg","IsNoImage":false},"JobTitle":"Editor","Name":"Leanne Macardle","Surname":"Macardle","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eLeanne Macardle graduated from the University of East Anglia in 2006 with a degree in Psychosocial Sciences, but quickly changed direction and jumped into the world of finance instead. A stint at Aviva and a few years of freelancing followed, before joining the editorial department at Moneyfacts Group as sub-editor in 2013. From there she took on several writing roles which saw her work across the breadth of Moneyfacts’ editorial output, from Treasury Reports and magazine features to guides and news stories on Moneyfacts.co.uk, culminating in her becoming Editor of the comparison site. Now writing for Moneyfacts in a \u003ca rel=\"noopener\" href=\"http://www.leannemacardle.com/\" target=\"_blank\"\u003efreelance capacity\u003c/a\u003e, she continues to put her personal finance knowledge to good use by making the often complex world of finance accessible and informative to readers.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1544054400000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eEvery basic rate taxpayer in the UK currently has a \u003ca href=\"/savings-accounts/guides/what-is-the-personal-savings-allowance/\" title=\"What is the Personal Savings Allowance?\"\u003e\u003cu\u003ePersonal Savings Allowance\u003c/u\u003e\u003c/a\u003e (PSA) of £1,000. This means that the first £1,000 of savings interest earned in a year is tax-free and you only have to pay tax on savings interest above this. Note that if you are a higher rate taxpayer (40%), your allowance is £500, while 45% taxpayers have no tax-exempt savings allowance at all.\u003c/p\u003e\n\u003cp\u003eBe careful, however, as it’s not just your savings at the bank or building society you have an account with that count towards your £1,000 interest amount. If you own corporate bonds or Government gilts that also pay interest, this will be included. Additionally, if you invest in a unit trust or similar funds that pay what is called an ‘Interest Dividend’, or earn interest on a life insurance bond such as a with-profits bond, this too will count towards your total allowance.\u003c/p\u003e\n\u003cp\u003eLow income earners can also benefit from a 0% ‘starting rate’ of income tax for up to £5,000 of savings interest. This reduces for every £1 you earn over the Personal Income Tax Allowance of £12,570 (2022/23 tax year). So, if you earn £13,570, your 0% starting rate for savings would be a maximum of £4,000 (£5,000 allowance less £1000 over your tax allowance).\u003c/p\u003e\n\u003cp\u003eIf your overall taxable income (from employment plus your savings interest) is £18,570 or less, you may not need to pay tax on your savings income. This amount is made up of your annual Personal Income Tax Allowance, plus the 0% rate for £5,000 of savings income, plus the £1,000 new Personal Savings allowance. Your income would need to be exactly the same as the Personal Income Tax Allowance to get the full £18,570 benefit.\u003c/p\u003e\n\u003cp\u003eAs this is very complicated, the following examples should help:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eIf you earn £10,000 from employment plus £5,000 in savings interest, no income tax will be payable at all. The employment income is less than the £12,570 personal income tax allowance, and the savings income is within the 0% starting rate for savings.\u003c/li\u003e\n\u003cli\u003eIf your income from employment was £14,000 and your savings interest was £3,000, you would need to pay 20% tax on £1,430 of earned income (anything over the £12,570 personal income tax allowance), but your savings income would be tax-free under the starting rate for savings.\u003c/li\u003e\n\u003cli\u003eIf you earn £17,000 from your job and £1,000 from savings, you would pay 20% tax on £4,430 of income. The savings income would be tax-free, as £500 would be charged at the 0% starting rate for savings and £500 would be within the personal savings allowance.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eIf you do need to pay tax on your savings, the amount of tax you pay depends on your tax rate, which in turn is determined by the type of income and how much of it you receive every tax year (6 April to the following 5 April).\u003c/p\u003e\n\u003ctable border=\"1\" width=\"100%\" style=\"height: 193px; width: 100%;\"\u003e\n\u003ctbody\u003e\n\u003ctr style=\"height: 64px;\"\u003e\n\u003ctd width=\"80%\" style=\"height: 64px;\"\u003e\n\u003cp\u003e\u003cstrong\u003eIncome Tax Rates\u003cbr\u003e2022/2023\u003c/strong\u003e\u003c/p\u003e\n\u003c/td\u003e\n\u003ctd width=\"20%\" style=\"height: 64px;\"\u003e\n\u003cp\u003e\u003cstrong\u003eRates\u003c/strong\u003e\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 43px;\"\u003e\n\u003ctd style=\"height: 43px;\"\u003e\n\u003cp\u003e\u003cstrong\u003eBasic Tax Rate\u003c/strong\u003e\u003c/p\u003e\n\u003c/td\u003e\n\u003ctd style=\"height: 43px;\"\u003e\n\u003cp\u003e20%\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 43px;\"\u003e\n\u003ctd style=\"height: 43px;\"\u003e\n\u003cp\u003e\u003cstrong\u003eHigher Tax Rate\u003c/strong\u003e\u003c/p\u003e\n\u003c/td\u003e\n\u003ctd style=\"height: 43px;\"\u003e\n\u003cp\u003e40%\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 43px;\"\u003e\n\u003ctd style=\"height: 43px;\"\u003e\n\u003cp\u003e\u003cstrong\u003eAdditional Rate\u003c/strong\u003e\u003c/p\u003e\n\u003c/td\u003e\n\u003ctd style=\"height: 43px;\"\u003e\n\u003cp\u003e45%\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003eA crucial change since April 2016 is that your savings interest will be paid gross, i.e. without tax having been deducted. This means it is now down to the individual saver to settle any tax payments they need to pay.\u003c/p\u003e\n\u003cp\u003eSo, if you earn over your Personal Savings Allowance in a tax year, you will need to inform HMRC in order to pay any tax due. They will normally do this by changing your tax code for the following year so that you can pay over the course of the year and not in a single lump sum.\u003c/p\u003e\n\u003cp\u003eRemember: you don\u0027t pay tax on interest you earn from a cash ISA regardless of the amount earned in interest. You can place up to £20,000 into a cash ISA in the 2022/23 tax year.\u003c/p\u003e","Heading":"How are my savings taxed?","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/jsblxwnw/laptop-savings-tax-calculator-400x400px.png","FocalPoint":{"Left":0.49445313483287484,"Top":0.71021450275994757},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"person doing calculations with calculatop, laptop and paperwork","Url":"/media/jsblxwnw/laptop-savings-tax-calculator-400x400px.png","IsNoImage":false},"Link":{"Id":11527,"Name":"How are my savings taxed","Url":"/savings-accounts/guides/how-are-my-savings-taxed/","Target":null},"LongText":"Every basic rate taxpayer in the UK currently has a PSA of £1,000, which means the first £1,000 of savings interest earned in a year is tax-free and you only have to pay tax on savings interest above this.","IsVisibleOnDesktop":false,"IsVisibleOnTablet":false,"IsVisibileOnMobile":false,"ShortText":"Every basic rate taxpayer in the UK currently has a PSA of £1,000, which means the first £1,000 of savings interest earned in a year is tax-free.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"MBrown@moneyfacts.co.uk","FirstName":"Michael","Image":{"CropDataSet":{"Src":"/media/2cofpkzn/michael-brown-grayscale.jpg","FocalPoint":null,"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/2cofpkzn/michael-brown-grayscale.jpg","IsNoImage":false},"JobTitle":"Content Writer","Name":"Michael Brown","Surname":"Brown","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eMichael Brown graduated from the University of Stellenbosch in South Africa with an honours degree in Journalism. Since then, he has had experience as a financial journalist and writer in South Africa where he wrote for several different publications and companies. After moving to the United Kingdom to join the Moneyfacts.co.uk team, he now writes on a number of different topics from mortgages to commodity prices.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1666089060000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eThe \u003ca href=\"/credit-cards/guides/what-is-the-consumer-credit-act/\"\u003eConsumer Credit Act \u003c/a\u003eis an important piece of legislation that protects the rights of consumers and sets out how most retail lending and credit is handled in the UK.\u003c/p\u003e\n\u003cp\u003eThis legislation determines how businesses that lend money or offer goods and services on credit conduct their business and advertise those products, as well as requiring them to be licensed by the Financial Conduct Authority (FCA).\u003c/p\u003e","Heading":"What is the Consumer Credit Act?","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/2429/unhappy-couple.jpg","FocalPoint":{"Left":0.71835611145989275,"Top":0.2713777850145187},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"","Url":"/media/2429/unhappy-couple.jpg","IsNoImage":false},"Link":{"Id":12437,"Name":"What is the Consumer Credit Act","Url":"/credit-cards/guides/what-is-the-consumer-credit-act/","Target":null},"LongText":"The Consumer Credit Act (CCA) is a key piece of consumer legislation. From credit cards to loans, our helpful guide explains everything you need to know.","IsVisibleOnDesktop":false,"IsVisibleOnTablet":false,"IsVisibileOnMobile":false,"ShortText":"The Consumer Credit Act (CCA) is a key piece of consumer legislation. From credit cards to loans, our helpful guide explains everything you need to know.","ShouldShowDisplayDate":false,"QtyDesktopCols":3,"QtyTabletCols":3,"QtyMobileCols":3,"ReadMoreAsLink":true,"ReadMoreAsButton":false},{"Author":{"Email":"editorial@moneyfacts.co.uk","FirstName":"Leanne","Image":{"CropDataSet":{"Src":"/media/1902/leanne-macardle.jpg","FocalPoint":{"Left":0.5,"Top":0.5},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null}]},"Type":"","Alt":"Leanne Macardle","Url":"/media/1902/leanne-macardle.jpg","IsNoImage":false},"JobTitle":"Editor","Name":"Leanne Macardle","Surname":"Macardle","TwitterAccount":"","LinkedInAccount":"","Bio":"\u003cp\u003eLeanne Macardle graduated from the University of East Anglia in 2006 with a degree in Psychosocial Sciences, but quickly changed direction and jumped into the world of finance instead. A stint at Aviva and a few years of freelancing followed, before joining the editorial department at Moneyfacts Group as sub-editor in 2013. From there she took on several writing roles which saw her work across the breadth of Moneyfacts’ editorial output, from Treasury Reports and magazine features to guides and news stories on Moneyfacts.co.uk, culminating in her becoming Editor of the comparison site. Now writing for Moneyfacts in a \u003ca rel=\"noopener\" href=\"http://www.leannemacardle.com/\" target=\"_blank\"\u003efreelance capacity\u003c/a\u003e, she continues to put her personal finance knowledge to good use by making the often complex world of finance accessible and informative to readers.\u003c/p\u003e","Team":"Moneyfacts.co.uk Editorial Team"},"DisplayDate":"\/Date(1641570483000)\/","ExtendedHeading":"","FullText":"\u003cp\u003eWorried about being targeted by a scam? Here are 10 ways to keep your money safe from online scammers.\u003c/p\u003e","Heading":"10 ways to keep your money safe from online scams","IconAlt":"guides icon","IconPath":"/Images/icon-guides.png","Image":{"CropDataSet":{"Src":"/media/zeljav10/online-security-scam-400x400px.png","FocalPoint":{"Left":0.51243324882679764,"Top":0.45849290684502941},"Crops":[{"Alias":"small","Width":50,"Height":50,"Coordinates":null},{"Alias":"trust","Width":200,"Height":60,"Coordinates":null},{"Alias":"articletile","Width":260,"Height":100,"Coordinates":null},{"Alias":"toplogo","Width":231,"Height":40,"Coordinates":null},{"Alias":"mainbannerright","Width":100,"Height":100,"Coordinates":null},{"Alias":"mainbannerleft","Width":58,"Height":78,"Coordinates":null},{"Alias":"mainmenu","Width":1366,"Height":472,"Coordinates":null},{"Alias":"icon","Width":40,"Height":40,"Coordinates":null},{"Alias":"link_box","Width":180,"Height":100,"Coordinates":null},{"Alias":"tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"hmw_hands","Width":575,"Height":400,"Coordinates":null},{"Alias":"guide_sidebar","Width":320,"Height":240,"Coordinates":null},{"Alias":"heading_left","Width":58,"Height":78,"Coordinates":null},{"Alias":"heading_right","Width":100,"Height":100,"Coordinates":null},{"Alias":"author_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"author_image","Width":122,"Height":150,"Coordinates":null},{"Alias":"article_tile_icon","Width":50,"Height":50,"Coordinates":null},{"Alias":"article_tile_image","Width":260,"Height":100,"Coordinates":null},{"Alias":"menu_image","Width":1366,"Height":472,"Coordinates":null},{"Alias":"newsletter_signup","Width":382,"Height":179,"Coordinates":null},{"Alias":"partner_logo","Width":200,"Height":120,"Coordinates":null},{"Alias":"social_media","Width":1200,"Height":630,"Coordinates":null},{"Alias":"logo_top","Width":275,"Height":40,"Coordinates":null}]},"Type":"","Alt":"a person using a computer tablet with scam alert hovering over the top","Url":"/media/zeljav10/online-security-scam-400x400px.png","IsNoImage":false},"Link":{"Id":18363,"Name":"10 ways to keep your money safe from online scams","Url":"/guides/money-guides/10-ways-to-keep-your-money-safe-from-online-scams/","Target":null},"LongText":"Worried about being targeted by a scam? 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